American Express Gold Card

• Your Membership Rewards points include complimentary access to point.me's award-search tool (point.me/amex) - handy for spotting transfer sweet spots before you move points.
• The Amex Gold is a dining card at heart: 4x points at restaurants worldwide and 4x at U.S. supermarkets (up to $25,000 a year, then 1x). That earn rate, not the perks, is the real reason to carry it.
• The credits are how you claw back the $325 fee, but they take effort: up to $10 a month in dining credit (Grubhub, Five Guys, and a short partner list), $100 a year at Resy restaurants (and as of September 2026, Tock venues count toward this too), $7 a month at Dunkin, and $10 a month in Uber Cash for rides or Uber Eats. Each needs a one-time enrollment and each resets monthly or twice a year, so anything you skip is simply lost.
• Membership Rewards points transfer to a long list of airline and hotel partners, so the 4x you rack up on food can turn into premium-cabin flights instead of plain cash back.

The American Express Gold Card is a foodie's rewards engine: 4X Membership Rewards points at restaurants worldwide and at U.S. supermarkets (each up to an annual cap), plus 3X on flights. At $325 a year it leans hard on monthly credits to earn its keep - dining credits, Uber Cash, Dunkin credits, and a twice-yearly Resy credit - so the math works best if those merchants are already in your routine. Points transfer to Amex's airline and hotel partners, which is where the real outsized value lives. No foreign transaction fees. Treat the credits as use-it-or-lose-it: skip them and the fee bites; use them and the card more than pays for itself.

Perks worth knowing

Extra value that rides along with this card, from its network and from benefits that unlock more.